TellerScore

Headquartered in West Palm Beach, Florida, Guardians Credit Union is a federally insured state-chartered credit union with $309.5M in total assets and $256.4M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1991.

Guardians Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 78% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 22nd. Capital cushion contributes the most (97/100, 14.68%); earnings contributes the least (41/100, 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Net worth ratio: 14.68%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity79/100
Loans ÷ shares: 80.9% · 4.3% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.90%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (83 → 80), mostly because the earnings component weakened by 20 points.

TellerScore
798387Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202483
Q4 202483
Q1 202581
Q2 202583
Q3 202587
Q4 202585
Q1 202681
Q2 202680
Net worth ratio
7.00%10.96%14.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.06%
Q3 202413.61%
Q4 202413.64%
Q1 202513.62%
Q2 202514.06%
Q3 202514.67%
Q4 202514.92%
Q1 202614.53%
Q2 202614.68%
Delinquent loans (60+ days)
0.15%0.28%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.31%
Q4 20240.29%
Q1 20250.19%
Q2 20250.37%
Q3 20250.15%
Q4 20250.38%
Q1 20260.15%
Q2 20260.42%
Return on assets
0.44%0.85%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20241.26%
Q4 20241.19%
Q1 20250.79%
Q2 20251.03%
Q3 20251.15%
Q4 20251.12%
Q1 20260.44%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$309.5M14.68%0.42%0.52%80.9%
Q1 202681$309.5M14.53%0.15%0.44%82.6%
Q4 202585$299.1M14.92%0.38%1.12%86.9%
Q3 202587$299.0M14.67%0.15%1.15%87.5%
Q2 202583$304.7M14.06%0.37%1.03%84.4%
Q1 202581$307.6M13.62%0.19%0.79%83.8%
Q4 202483$302.6M13.64%0.29%1.19%85.6%
Q3 202483$297.4M13.61%0.31%1.26%88.6%
Q2 202479$299.1M13.06%0.25%0.93%88.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.68%
84th
Problem loans0.42%
73rd
Net charge-offs0.93%
11th
Return on assets0.52%
32nd
Loans to deposits80.9%
38th
Uninsured deposits4.3%
69th
Loan-loss reserves0.00%
50th
Texas ratio1.9%
77th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Jetstream Federal Credit UnionCredit union Miami Lakes, FL66 out of 100, Moderate$307.0M10.0%0.32%vs
Members First Credit Union of FloriCredit union Pensacola, FL93 out of 100, Very strong$315.8M15.4%0.43%vs
Harvesters Federal Credit UnionCredit union Cantonment, FL60 out of 100, Moderate$316.8M9.4%0.83%vs
Loyalty Credit UnionCredit union Pensacola, FL75 out of 100, Strong$300.3M11.6%0.66%vs
Alive Credit UnionCredit union Jacksonville, FL78 out of 100, Strong$295.5M11.7%0.47%vs
Gold Coast Federal Credit UnionCredit union Palm Springs, FL75 out of 100, Strong$269.8M11.9%0.43%vs

Deposit insurance

Is my money safe at Guardians Credit Union?

Yes. Guardians Credit Union is a federally insured credit union (NCUA charter #67521). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.3% of shares and deposits ($11.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.68%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Guardians Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Guardians Credit Union reported 85 home-loan applications under HMDA (LEI 254900T8NVZTD1Q8U318): 43 originated ($4,235,000 total), 35 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 43.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Guardians Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67521
RSSD ID
307697
Primary regulator
State + NCUA
Established
1991
Headquarters
3469 Summit Blvd, West Palm Beach, FL 33406
Employees
101

Quick answers

Guardians Credit Union: common questions

Is Guardians Credit Union NCUA insured?

Yes. Guardians Credit Union is a federally insured credit union (NCUA charter #67521). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Guardians Credit Union's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Guardians Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near West Palm Beach

InstitutionScoreAssetsCapitalProblem loansCompare
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Cypress Bank & TrustBank Melbourne, FL79 out of 100, Strong$256.8M11.8%0.00%vs
Natbank, National AssociationBank Hollywood, FL77 out of 100, Strong$296.5M29.8%0.00%vs
Pacific National BankBank Miami, FL77 out of 100, Strong$1.6B10.8%0.01%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs